Enrolled Agent-licensed to practice before the IRS, Samuel N Smith, EA, South Carolina
I am going to say for your best interest you need to contact an insurance agent that you know and trust. You say Medigap policy and that term could refer to one of the high deductible plans-L, M. N- if you were to reside in South Carolina. There are some important decisions you need to make. If you need to go to Medicare Advantage due to budgetary restraints then you need to understand if you fail to enroll in original Medicare on your "initial enrollment period' you will have to pass underwriting issues to ever return to original medicare. While the Medicare Advantage plans are Part C and includes your coverages for Part A, B, & D in Part C, they all are not designed to pay all of your costs and you need to understand what the copays and deductibles are so you can make an informed decision ,
Buying Medigap Insurance can be a lot easier than it looks. You can get immediate information and quotes by going to a website like ours. You type in basic information and can be reviewing quotes from the top rated carriers in about one minute. You can follow up with one of our licensed staff to get all of your questions answered. I would suggest the following to make things easier on you:
Contact an independent agent that specializes in Medigap Insurance (Medicare Supplement Insurance).
Look at what plans are available.
Learn what each of those plans will cover and not cover.
Have that agent help you pick the the Medigap plan that best fits your needs and budget.
Have the agent sign you up with the plan and the top "A" rated carrier that fits best for you.
Independent Agent & Medicare Supplement Specialist, reMEDIGAP, USA
The best way to buy a Medigap Policy is through a licensed independent agent who specializes in Medicare Supplement insurance. We work closely with you to make sure you understand the benefits associated with Medigap Plans and how they work for you. Independent agents are not employed by insurance companies. Instead, we have contracts with multiple carriers that allow us to shop the Medigap market and find you the best price for the Medigap Plan you desire.
Some people like to avoid insurance agents and do the work themselves, but with Medigap insurance that is not going to save you time or money. Most insurance companies will not provide their insurance premium information to the public. The carriers who do share their premiums with you will, often times, be much more expensive. I have done a fair share of helping people move from their expensive Medigap premium to a lower one while still keeping their same exact benefits. Most of the time they had no idea there were other insurance companies available to them.
If I can help you with your Medigap insurance needs, please feel free to call me at 1-888-411-1329 or visit www.remedigap.com.
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Contact an independent agent that specializes in Medigap Insurance (Medicare Supplement Insurance).
Look at what plans are available.
Learn what each of those plans will cover and not cover.
Have that agent help you pick the the Medigap plan that best fits your needs and budget.
Have the agent sign you up with the plan and the top "A" rated carrier that fits best for you.
Good luck!
Some people like to avoid insurance agents and do the work themselves, but with Medigap insurance that is not going to save you time or money. Most insurance companies will not provide their insurance premium information to the public. The carriers who do share their premiums with you will, often times, be much more expensive. I have done a fair share of helping people move from their expensive Medigap premium to a lower one while still keeping their same exact benefits. Most of the time they had no idea there were other insurance companies available to them.
If I can help you with your Medigap insurance needs, please feel free to call me at 1-888-411-1329 or visit www.remedigap.com.